# BANK OF FOREST
FOREST, MS · FDIC certificate 898 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $296.3M | |
| Deposits | $269.0M | |
| Loans and leases | $166.5M | |
| Total equity | $25.6M | |
| Loans / deposits | 61.13% (p32 of band) | 73.59% |
| Liquid assets / assets | 38.95% (p61 of band) | |
| Uninsured deposits / deposits | 32.03% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.91% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -28.91% (p14 of band) | -6.57% |
| AOCI / equity | -1.51% (p18 of band) | |
| ROA (annualized) | 1.41% (p64 of band) | 1.17% |
| Net interest margin | 3.79% (p42 of band) | 3.93% |
| Efficiency ratio | 63.29% (p43 of band) | |
| Noncurrent loans | 1.30% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 97.83% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 78.76% (p90 of band) | |
| Auto loans | $3.0M (1.78% of loans; DQ 3.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 0 |  | capital falling, reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2022-03 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | reserve under noncurrent | construction >100% equity |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-09-03 [Bank of Forest announces promotions and additions - Scott County Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxNRjliVTZodllRYmJiOGdzOFNPUW1JUEE5N1lGVDdXdWxvZnNuWFBYZ2x3MkRQWENrS2FqM21JNGl3U1htY0tBNU0tY29hV1ByN20xS25Ha282d25sR3BNb01DcE9vVllXODlkdkt2SmU4WEJJU2VNczNVWWhpSTY1VUlITXQ3dTFHNEZpQWZ3QkxvbUpfODdfWWdiQQ?oc=5) · Scott County Times
- 2025-09-25 [Bank of Forest Celebrates 125 Years - WLBT](https://news.google.com/rss/articles/CBMic0FVX3lxTE9nM2VtSndhRGFncTZJOFJSeGlEazFhVElGbzV6SWUyQVNJaXVrTWRNU1hidkZ5ODdqQU9sV2Y3bEhrLUhSNmN0QkhwODY0ZGpLNzJnRm1weHJ6a2w5LUtnYUlRckxmdkhBaHJUaG52RUpzb1nSAYcBQVVfeXFMTlg4MUxyUXRMTGtvWGo0U3kzcVBnd1JUdjJXOTZYQ0RTaUhnWHpCOUE3Zm1FbC1BN0xkc0IyR3h0ZE9qT1E4cF9JYUV0Vy11NWdOQmFWUE8ydDVVNkhiOHRFdjdXejdTVWxHandwWk5FbzdQemU5b2RlRG1DTTduaFpiOFV1Q3ZF?oc=5) · WLBT
- 2023-06-15 ["Don" Donald Gray Triplett Obituary Jun 15, 2023 - Ott & Lee Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE9FVlZZZWR1UzZqMTFZbkh5QVd6djF5ZGNZZGJpRDlEMzlrY1dXMC0yd3hJV0RZZlBzS2dwd04tQTZ6RFlmWG9FeTV2VVMwN1BZaTc3RlhxUlkxMkdwaXZaNlgxdXZjd045UzhZ?oc=5) · Ott &amp; Lee Funeral Homes
- 2023-06-16 [Donald Triplett, the 1st person diagnosed with autism, dies at 89 - PBS](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVTJZbHB2VTJEMVpEX1JvUVZwbnBZRUdEaTlJZVQwWVJBaHI4X3ZOcUFmLUNNYXBCMVNuZVp4VlpHUXlBMy1ITUN1M3hKb2N2emZxbjhSYWtkd1AtMERtUm9KSEdwanRqZjdVR0NLMUFsMl9mQ0t3aGRXMjFXUFJGRzRyS0NwaHUtMHdTMUlpNUV0bTFJaVd5Ui1vU1FoUUdi0gGmAUFVX3lxTFA2bnRGVzlmaExuLUtFYTN1b2pUZ2Z2NWNpUjRMT2xDNkYwOGVGVTNDTHR4bTRNbWhIU2NpV24yNWVPbHBZeWRJSWlaSVQ5bzEtNjhZb3RGTXhrZTJudmU1QU5MbFIwbzAzWVQxTTdtSXRTZGQ4Qm5nRTRMNFFhRlQ3WkJqVTM3QllDZGlVanNLTXZVOVV5Um45QkhKQTdfazFoYTBfUUE?oc=5) · PBS
- 2023-06-17 [Donald Triplett, the first person diagnosed with autism, dies at 89 - CBS News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPM1F4LXNRMFY0WUFZQlV4ZlZCcTJnQTBnSHY2V2VjbmJ5VGhveXZpNUFfUFJUczlkRnNfU1lkcGFtM2laLWp5OTAzLUVveVBxbklYWjVKbUFvVmZwS05sMFpRNVJDa3pxV0dRYWNENEJZUnFobmFNMUpKcGhDaWVZLXJlNi1QM1I4VmI5emJHSGpNd1dFQktjeFlhczFWWEhIc2Nv0gGoAUFVX3lxTFA3M2pnWmJtVVVnNzBEc1ZfR0Vwd2Q1SnlrY3oybHFWS0NPOU1hRFBTdGVxX1B2WTBRYWNIekFvVGE4d0ZoSEVCcFItLVNWWFJPTjRqODUySVJRMDFCNGwzWS1oSnJCWlgxRmU5Yy0ydm52Y05TVTdoeG94NElTQklRWjVLMEc4MjRmelBFbUVSWlF3cWZ1c3NYNTVIUnF4LWZqWk9qVlR6Sg?oc=5) · CBS News
- 2023-06-20 [Donald Triplett, first person diagnosed with autism, dies at 89 - The Washington Post](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVGR4S0kzWmphNkItaDRjM2ZCVzQ0TF9SS1ljdVNfV0JPNmJKdnQ3QlRJX1R3WlE2a05xUzJkZ19zMGZoZWt2M01YQlJOdURFRV9rNUI0Q2lBaDNHN0Q2VVF4WFNKeWI1RFFmS19XUGNuenBsSmg3MGVCZEpGWVVNa2NiLWdrclZt?oc=5) · The Washington Post
- 2023-12-30 [Mary Deloise "Dee" Eady Obituary Dec 30, 2023 - Ott & Lee Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9NT2NMR25pblVBU25UdVFyV0xxWXVfMk9xdldXRC1URjdyeTJHOGFUWlpqMy1rbzZQTTBrMGI0WGhKRk5YSVJJZlRWSHBqYVg4MGtEQ0dISFU0ZnN4c0thTmlUVzA?oc=5) · Ott &amp; Lee Funeral Homes
- 2021-01-07 [Lucille Mitchell Obituary Jan 7, 2021 - Ott & Lee Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5pUDljRENBNEt0MlBzcVdmS1VPbF92czA3VXRTeklxRWZGVUJfdDQzZlJUYXY3NEFiajF2Yzl0RzRULWhFVFRpR1M1SXZEQmFVRjhXZUtZUGNxSTZIZUE3bS15aw?oc=5) · Ott &amp; Lee Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=898 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "898", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide